My wife and I are going to try and have a baby over the next year or so. We are covered under separate health insurance plans by our respective employers (she has an HMO, I have a PPO-HSA). There is a local hospital and OB-GYN medical group that is considered to be amongst the best in our area; although her insurance does not include the hospital and medical group in their network, mine does. Can the medical bills for the pre-natal care and delivery be covered under my insurance (considering that it as much my child as it is hers) even though she has her own health insurance that would cover the expenses from a different provider?